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Splitit

Splitit

Credit Card Installments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Merchant fees 1.5%-3% per transaction vs Custom
Features

0 shared

5 unique to A-Pay
Regions

2 shared

2 unique to Splitit · 4 unique to A-Pay
Pay methods

1 shared

2 unique to Splitit · 18 unique to A-Pay
On licensing

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Show full specs
5 features · 21 payment methods · 8 regions. We don't rank these — they're here for reference.
Splitit Splitit
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Merchant fees 1.5%-3% per transaction
Custom
Settlement
Time to receive funds
14–28 business days
1–2 business days
Founded
2012
2021
Headquarters
New York, New York
India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 3)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
—
✓
Bnpl Unique
✓
—
Credit Card
✓
✓
Crypto Unique
—
✓
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 4)
Africa Unique
—
✓
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
✓
—
Oceania Unique
✓
—
Southeast Asia Unique
—
✓

Splitit is best when you...

Credit Card Installments
Want coverage in North America, Oceania
A-Pay doesn't cover these regions
View Splitit

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Splitit
Need High Risk Accepted
Not available with Splitit
Want coverage in Africa, Latin America, Middle East, Southeast Asia
Splitit doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Splitit and A-Pay?
They share 1 payment method and 2 regions. Splitit adds Buy Now Pay Later, Debit Card that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 15 more that Splitit does not list; Splitit also covers North America, Oceania; A-Pay also covers Africa, Latin America and 2 more.
Which is cheaper, Splitit or A-Pay?
Splitit has published rates from Merchant fees 1.5%-3% per transaction; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Splitit and A-Pay?
Splitit lists 4 regions and 3 payment methods; A-Pay lists 6 and 19. both cover Asia, Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Splitit and A-Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; Splitit settles in 14–28 business days, A-Pay in 1–2 business days.

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